You got a "+5 Insightful," and I would agree with the mods, but your reply was non sequitur to the GP. His/her point was that the time and money investment will likely not pay for itself. Your bottom line was, well, this: "The bottom line is that you go back to school because you love the subject." That's fine, but that wasn't what the GP was saying.
I will add as well that going back to school is not the only way to pursue an interest in a loved subject.